From Jakarta to Bandung, raft stays with you where service is offered.
raft Virtual Account – Mobile Casino with QRIS Deposit
raft generates unique Virtual Account numbers tied to your account, allowing you to deposit funds directly from your bank app without sharing payment details with our platform. Each Virtual Account is paired with one of Indonesia's major banks — e-wallet, mobile banking, local payment, or online payment — and deposits settle automatically within minutes.
Open an account
Virtual Account
- Game
- Category
- Live Table / Card
- RTP
- high
Our Virtual Account system simplifies banking on mobile. You open raft on your Android phone or iOS browser, request a Virtual Account number, and initiate a transfer from your bank app. The system matches incoming transfers by account number and credits your raft wallet instantly. No e-wallet intermediaries, no QR codes to scan — just a straightforward bank-to-raft deposit workflow that works on any device with banking app access.
Virtual Account on raft: What It Is and How It Works
A Virtual Account is a temporary bank account number created specifically for your raft transactions. When you request a Virtual Account on raft, our system generates a unique account number linked to BCA, e-wallet, mobile banking, or local payment (whichever bank you select). This account number is tied to your raft profile. When you transfer funds from your personal bank account to your Virtual Account number, our system automatically recognises the transfer by the account number, matches it to your raft profile, and credits your gaming wallet.
Virtual Accounts are safer than sharing card details or e-wallet accounts because you are not exposing sensitive payment information to our platform. The transfer happens directly between banks; raft receives a confirmation, not your original banking credentials. Each Virtual Account expires after a set period (typically 7 days if unused), and you can generate a new one at any time through your account settings.
Why players choose Virtual Accounts on raft
Virtual Accounts appeal to players who prefer direct bank transfers and want to avoid third-party payment processors. Since the account number is unique to you and generated on-demand, you can manage multiple deposits and track them easily. Your bank statement shows transfers to a clearly labeled raft account, providing clear transaction records for your personal bookkeeping.
On mobile, the workflow is streamlined. Open your raft app, request a Virtual Account number, copy it, switch to your bank app, paste the number, and transfer funds. The entire process takes under two minutes, and confirmation arrives within seconds to minutes depending on bank processing times.
Key takeaways
- Virtual Accounts are unique bank account numbers linked to your raft profile
- Available through online payment, e-wallet, mobile banking, and local payment
- Deposits match automatically by account number; no manual processing needed
- Transfers settle within minutes of bank processing
- More secure than sharing banking credentials directly with gaming platforms
Step-by-Step Virtual Account Deposit and Withdrawal on raft Mobile
Our Virtual Account deposit workflow begins when you log into raft on your mobile device. Navigate to your account menu, select "Deposit," and choose Virtual Account as your payment method. The system displays four bank options: BCA, e-wallet, mobile banking, and local payment. Select the bank where you hold your personal account, and our system generates a unique Virtual Account number for you.
-
Select bank and generate Virtual Account number
In raft app, tap "Deposit," choose Virtual Account, select your bank (online payment, e-wallet, mobile banking, or local payment), and our system generates a unique account number.
-
Copy the Virtual Account number
The account number appears on your screen; tap to copy it. We recommend copying rather than memorising to avoid typos.
-
Open your bank app and initiate transfer
Switch to your bank's app, navigate to fund transfers, select the destination account type as "Other Bank" or "Virtual Account," and paste the number.
-
Confirm and wait for settlement
Review the amount, confirm the transfer using your bank's security method (PIN, biometric, OTP), and submit. Deposit typically settles within minutes.
Once your bank processes the transfer, our system matches the incoming amount to your Virtual Account number and credits your raft wallet automatically. You receive a confirmation email and an in-app notification. Your balance updates instantly, and you can begin playing immediately — whether it's slots like Book of Dead or live games like blackjack.
Players in Jakarta, Surabaya, Bandung, and Medan report that Virtual Account deposits on raft are faster and more transparent than e-wallet transfers, because the transaction history appears directly in their personal bank statements with full traceability.
Withdrawal workflow using Virtual Account
When you withdraw funds from raft, you can choose to send money back to the same bank account or to any registered bank account you specify. Navigate to your account settings, select "Withdraw," enter the amount, and select your destination bank account. Our system verifies the account details match your raft profile information to prevent fraudulent transfers.
We review all withdrawal requests to detect unusual patterns — such as unusually large amounts or requests to newly registered accounts. This review typically takes one business day. Once approved, we initiate a transfer to your bank account. Settlement time depends on your bank's processing speed; most withdrawals complete within one business day, though delays can occur during holidays like Idul Fitri or Idul Adha when bank systems run at reduced capacity.
Virtual Accounts expire after seven days of inactivity. If your current Virtual Account expires, you can generate a new one at any time through the deposit menu. Previous account numbers are no longer valid, so always use the most recently generated account number for your transfers. Our system displays the expiry date and time so you know when to generate a new number if needed.
Comparing Virtual Accounts with e-wallet alternatives
raft supports multiple payment methods: Virtual Accounts, online payment, e-wallet, mobile banking, local payment, online payment, and e-wallet. Virtual Accounts differ from e-wallets in that they route transactions through traditional banking channels. E-wallets like mobile banking and local payment are app-based and often settle instantly, but they charge convenience fees. Virtual Accounts incur no platform fees because they use standard bank infrastructure. If you value transparency, direct banking, and keeping all transactions visible in your personal bank statement, Virtual Accounts are ideal. If you prefer speed and convenience, e-wallets may suit your needs better. Many raft players maintain both options — using e-wallets for quick deposits and Virtual Accounts for large transfers or withdrawals.
Virtual Account Security, Best Practices, and Mobile Considerations
Mobile banking security during Virtual Account transfers
When you transfer funds via Virtual Account on your mobile device, your bank connection is encrypted using the same SSL/TLS security that protects online banking. Your bank app handles all authentication (PIN, biometric, OTP). raft never sees your banking credentials — we only receive confirmation that the transfer succeeded. This architecture means your primary banking security remains with your bank, not with our platform.
Protect your phone's banking app using biometric lock (fingerprint or face recognition) and a strong PIN. Do not enable "remember password" in your bank app. If you switch devices, log out of your bank app on the old device before using the new one. These practices prevent unauthorized access if your phone is lost or stolen.
Verifying transactions and reviewing history
After each Virtual Account transfer, review the confirmation in both your bank app and raft. Your raft transaction history displays a timestamp, the amount transferred, the destination bank, and the status (pending, confirmed, or completed). If a transfer appears stuck in "pending" status for more than 24 hours, contact your bank first; if the issue persists, reach out to our support team with your transaction ID.
We recommend screenshotting confirmation messages from both your bank and raft for your records. This documentation is valuable if a discrepancy ever arises.
Account verification and KYC with Virtual Account
Before you can use Virtual Account deposits or withdrawals, your raft account must pass KYC verification. Upload a government ID and recent utility bill; our compliance team reviews within one business day. During holidays like Imlek, Idul Fitri, or Idul Adha, review may take slightly longer due to reduced staff. Once verified, you unlock full access to all deposit and withdrawal methods, including Virtual Account.
raft Virtual Account
Player experience rating
Accessing raft Virtual Account on Android and iOS
On Android, download our APK from our website, install it, and log in. Navigate to "Deposit," select "Virtual Account," and follow the steps above. The Android app caches your deposit history, so you can revisit past Virtual Account numbers (though expired numbers are no longer valid). On iOS, open Safari, visit raft.bet, and log in. The browser-based Virtual Account workflow is identical to Android — no separate download needed.
Data usage and connectivity during transfers
Initiating a Virtual Account transfer on mobile uses minimal data — typically under 1 MB. However, your bank app may use slightly more data depending on which bank you use. We recommend performing Virtual Account transfers on WiFi when possible to avoid unexpected mobile data charges. Our raft app itself does not consume data during the bank transfer process; data usage occurs only when you open raft, load your account dashboard, or play games.
Virtual Account and esports / sports betting on raft
Whether you use your Virtual Account balance to play slots, live dealer games, or place bets on Liga 1, Piala Indonesia, or Piala AFF matches, the funding process is identical. Your Virtual Account deposit lands in your main raft wallet, and you can distribute your balance across any game or market. Some players fund once via Virtual Account at the start of a week and use that balance across multiple gaming categories throughout the week.
Virtual Account on raft delivers secure, bank-direct deposit and withdrawal for players who value transparency and traditional banking methods. Our system handles account generation, automatic matching, and settlement so you only need to know your unique account number and your intended transfer amount. Start by requesting a Virtual Account number, transfer funds from your bank, and begin playing immediately. Our services are available only where local law permits — by accessing raft, you confirm your use complies with your jurisdiction's regulations.
Platform security layers
raft implements multiple security layers to protect your account during Virtual Account transactions and gaming. Every connection between your mobile device and our servers uses SSL/TLS encryption — the same standard employed by financial institutions for online banking. This encryption is automatic and transparent; you do not need to enable anything. Your raft account password is stored using one-way cryptographic hashing, meaning even our staff cannot reverse-engineer or view your original password. If you forget your password, you initiate a reset via a secure verification link sent to your registered email or phone; we never transmit passwords in plaintext. Two-factor authentication (2FA) adds an additional security layer: once enabled, logging in from a new device requires a one-time code sent to your email or phone. This prevents account access even if someone obtains your password. Virtual Account transactions are routed through your bank's infrastructure; your banking credentials are never shared with raft. Your bank handles all authentication (PIN, OTP, biometric), and raft receives only a settlement confirmation, not sensitive banking data. Our account security workflow includes automatic session timeouts — if you remain inactive for subject to verification, you are logged out, protecting your account if you leave your phone unattended. We monitor all account activity in real time, flagging suspicious patterns such as multiple failed login attempts, unusual withdrawal requests, or logins from unexpected geographic locations. When anomalies are detected, we contact you immediately to verify the activity or lock your account. Your data is stored in encrypted form within secure data centres with 24/7 physical security, redundant power supplies, automated backups, and disaster recovery protocols ensuring your account information is never lost due to infrastructure failure.
Game fairness and RTP
Games on raft funded via Virtual Account operate under the same fairness standards as all our games. RNG-based slots (like Sweet Bonanza or Gates of Olympus) use certified Random Number Generators audited monthly by independent third-party firms. RNG fairness means each spin outcome is statistically independent — previous results have zero influence on future spins. We publish the Return to Player (RTP) percentage for each slot, representing the long-term theoretical payout rate across all players. RTP is calculated over millions of spins and applies across the entire player base, not individual sessions. In the short term, players may experience significant variance — streaks of losses or wins that deviate from published RTP. This is statistically normal and does not indicate unfairness. We do not adjust individual spins to meet daily quotas, punish frequent winners, or manipulate outcomes based on deposit method. Live dealer games (blackjack, roulette, baccarat) operate differently — outcomes depend on physical dealing by real dealers, not algorithms. However, the principle of fairness is identical: outcomes are never predetermined. Dealers work in compliance with gaming regulations and are audited regularly. Players can verify their complete game history in their account — every spin, every hand, every outcome is timestamped and auditable. Sports betting on raft (Liga 1, Piala AFF) uses game information data from licensed data providers; odds are not manipulated based on player deposits or balances. Your Virtual Account funding method does not affect game fairness, odds, or payout rates — the platform treats all deposits equally regardless of payment method.
KYC verification process
Know Your Customer (KYC) verification is a legal requirement in all jurisdictions where raft operates. When you register on raft, we collect your full legal name, date of birth, and residential address. Before you can fund your account via Virtual Account or any payment method, you must submit a government-issued identity document — a national ID card, passport, or driver's license. We also request a recent utility bill (electricity, water, or internet bill dated within the last three months) to verify your residential address. Our compliance team reviews these documents manually; typical review takes one business day, though peak periods may extend to two days. Documents must be clear, in focus, and display all required information (name, date of birth, issue date, expiry date). We accept digital photographs or scanned PDFs. Once verified, your account is flagged as "KYC complete," and you can deposit via Virtual Account, withdraw, and play without further documentation, unless you request changes to your account details. We store documents in encrypted form within secure facilities and never share them with third parties without your explicit consent, except where legally required by regulators or law enforcement. If a document is rejected — for example, if it is expired or illegible — we notify you immediately and provide an opportunity to resubmit. Some jurisdictions require additional verification for large withdrawal requests, such as video-call verification or proof of source of funds. Our support team will guide you through any additional requirements specific to your situation.
User feedback and review channels
We encourage players to share feedback about Virtual Account deposits, withdrawals, and gaming on raft. Reviews can be posted via your account dashboard after completing a session; submissions are moderated to remove spam and abusive content, but genuine feedback — positive or negative — is published. When reading reviews from other players, consider their experience level and timeframe. A new player unfamiliar with Virtual Account procedures may rate the deposit experience lower if they encountered a bank processing delay; this does not reflect our platform's quality or Virtual Account reliability. Long-time players' reviews carry more weight because they reflect repeated interactions and broader experience. We do not fabricate reviews, pay players to post positive comments, or suppress negative feedback. Independent third-party review sites also cover raft; we welcome external assessment and do not attempt to censor critical reviews. If you experience a technical problem during a Virtual Account transfer — such as a deposit that fails to settle or a missing balance update — report it to our support team immediately. Provide your transaction ID, the time of the issue, the bank involved, and your device type. Our team investigates every complaint and provides a resolution within 48 hours. Our complaint resolution rate exceeds non-specific info, meaning most issues are resolved to the player's satisfaction or through appropriate remediation if a system error is confirmed. You can contact support via in-app chat, email, or the FAQ page.